I don't get it. When you install Vista, the first and only account created is an administrator account. No prompt to create a restricted account. So people who don't need more than one account will still be using an admin account all time, right ?
You're an admin, but you get prompted whenever you're about to modify the system, or something restricted. The rest of the time (99% of the time) you're running with regular user privileges. It's pretty much similar to being a sudoer in the UNIX world. From
what I've seen, it's the same policy used in popular Linux distribs (Ubuntu or OpenSUSE) or MacOS.